Search found 1886 matches

by lazydavid
Tue Dec 11, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 90
Views: 9627

Re: Certified Used BMW, Audi or Mercedes

Lease luxury. I'm not a luxury car person, but my wife is; thus, I've become an expert in obtaining the best deals for BMW, Audis, and Mercedes. I looked very hard at CPO on multiple occasions, but it's very expensive to own these cars from years 5-10. They need premium gas. Routine maintenance is ...
by lazydavid
Tue Dec 11, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 90
Views: 9627

Re: Certified Used BMW, Audi or Mercedes

I owned an Audio A4 Avant SLine 2006 This problem is a known problem by Audi for engines with engine code AKE. Of course they don't tell you that when you drive off with your $80k car. Well your first problem was paying double the sticker price for your car. The 2006 A4 Avant S-line had a base stic...
by lazydavid
Sun Dec 09, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are 401k contribution percents on salary before or after FSA/HSA elections?
Replies: 10
Views: 798

Re: Are 401k contribution percents on salary before or after FSA/HSA elections?

livesoft wrote:
Sat Dec 08, 2018 4:07 pm
I doubt that one can only use a percentage. There must be a way to use a dollar amount.
My 401k at Fidelity only allows contributions as a percentage of pay, with a maximum of 50% (or 10% if you're unlucky enough to be classified as an HCE).
by lazydavid
Sun Dec 09, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 90
Views: 9627

Re: Certified Used BMW, Audi or Mercedes

Definetly do not hold myself out to be a car maintenance guru, but I believe there is more than this. Timing belt? Most german cars don't have timing belts anymore. I think most claim the timing chain they use is good for the life of the engine. You would have to check your particular brand/engine ...
by lazydavid
Thu Dec 06, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1475

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

Camry sales were down a whopping 29% in November. Dealers should be willing to work to the bone to cut you a deal if you push.
by lazydavid
Thu Dec 06, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 25
Views: 15377

Re: Alternatives to TIVO

Now that this thread has been resurrected from the graveyard, I might as well update my previous post. My TiVo Premiere is now six years old, still going strong, and long past the breakeven point on its lifetime subscription. I use only OTA broadcasts with an antenna, by the way. You don't happen t...
by lazydavid
Thu Dec 06, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 3971

Re: declining employer benefits?

My employer does the exact opposite. If you elect for +1 or family coverage, you have to provide proof that either:
  • You have no spouse
  • Your spouse does not work
  • Your spouse's employer does not offer a group medical plan
Else you are subject to a surcharge, which I believe is $50 per pay period.
by lazydavid
Thu Dec 06, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Warm Sleepwear
Replies: 21
Views: 2423

Re: Warm Sleepwear

I can't help with warm sleepwear. For years though I have used a heated mattress pad and love it. Mine has dual controls (queen size) for each side and goes from 1 to 10. It is nice to be able to adjust the heat in just the bed depending on conditions. The heat also comes from below which I much pr...
by lazydavid
Wed Dec 05, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 25
Views: 15377

Re: Alternatives to TIVO

I do need a DVR like service. TIVO looks great but monthly charges can easily add up. If I try to replace what I have currently I am looking at purchaing Tivo Romeo and 3 Tivo mini plus monthly fees. Even if I can stomach the purchase price the monthly service charge for 4 devices will be $35. This...
by lazydavid
Wed Dec 05, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2349

Re: Looking for a nice travel watch... recommendations?

My "travel watch" for years has been a Seiko Titanium. I can't find my exact model, but this and this are somewhat similar. Looks fairly nice, and most of the time I could get away without taking it off when going through the metal detectors. Most variants are under $300, and many are under $200. Bu...
by lazydavid
Tue Dec 04, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8547
Views: 1672499

Re: U.S. stocks in freefall

greg24 wrote:
Tue Dec 04, 2018 3:30 pm
RBD??
With 20 minutes to go, it's looking that way....
by lazydavid
Tue Dec 04, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8547
Views: 1672499

Re: U.S. stocks in freefall

I'm really not liking this market. Anyone else thinking its time to lighten up on equities? I'm really considering pulling out for a while. Nope. As the October slip lengthened, I changed my 401k contributions (new money) from 49/21/30 US/Intl/Bonds to 70/30 US/Intl. This will likely delay my need ...
by lazydavid
Mon Dec 03, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Quality Kitchen Faucet Recommendations?
Replies: 36
Views: 2756

Re: Quality Kitchen Faucet Recommendations?

I bought the Hansgrohe single handle kitchen faucet at Costco. It was about $249, definitely high quality. Has worked well.Sometimes there is a $50 off coupon at Costco,but I needed it so paid full price, still a bargain.Made in USA, German engineered. I bought the same one and thought the same thi...
by lazydavid
Mon Dec 03, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: First Triathlon. What bike to buy?
Replies: 34
Views: 1827

Re: First Triathlon. What bike to buy?

wilked wrote:
Sun Dec 02, 2018 8:37 pm
Once she starts putting 100+ miles on a bike in a year it’s time to upgrade to a nice road bike.
This seems like an awfully low threshold, that I suspect she's already way past just riding casually. I could ride 2 miles a week on a tricycle. :)
by lazydavid
Sun Dec 02, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Encrypted messaging: Threema vs Wickr
Replies: 15
Views: 907

Re: Encrypted messaging: Threema vs Wickr

This was years ago, before TextSecure (which later became the signal app) and telegram became a thing. So there weren't a whole lot of options out there to choose from. I did look at a couple of others, but don't remember what they were or whether they even still exist. Had signal been around, I may...
by lazydavid
Sat Dec 01, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Encrypted messaging: Threema vs Wickr
Replies: 15
Views: 907

Re: Encrypted messaging: Threema vs Wickr

I've used Threema in the past and been quite happy with it. Be aware that if you don't maintain separate backups of the app (OS-level backups like those from Google/Samsung tools do not work), you cannot recover your identity onto another phone. Discovering that after the replacement of my phone due...
by lazydavid
Sat Dec 01, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: 30 inch gas range for about $1K - recommendations
Replies: 2
Views: 393

Re: 30 inch gas range for about $1K - recommendations

There are no convection ovens I'm aware of where the fan must be on at all times. We use ours occasionally for very specific purposes, and it's awesome. But the rest of the time it's standard bake/roast. I can't recommend my current one because it's too big and way over your budget :) But we had an ...
by lazydavid
Fri Nov 30, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4203

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

Daughter with her 2016 chevy V6 31k miles had her purge valve stick open due to gunk build up. New purge valve cost $35 and the dealer charged her "only" $350 to clean it because it was still under warranty and was part of the 30K mile checkup. :( Maintenance on new cars are painful. Should have be...
by lazydavid
Thu Nov 29, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4203

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

My mistake. It's a 2004. I thought the older models also had direct injection but I stand corrected. Heh, that actually predates Direct Injection across all of Toyota Motor Corporation. :) The very first DI engine they put in a US product was the 2GR-FSE, introduced in the 2005 Lexus GS and IS.
by lazydavid
Thu Nov 29, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 26
Views: 2336

Re: Winter boot recommendation

if you are a female: La Canadienne or Tecnica after ski. Male, Tecnica (I think La Canadienne is only for women). They are pricy, but made in Canada and Italy, and well made, and last. My wife has a 20 year old pair of Tecnica Skandia boots that she loves like no other. The soles are getting worn s...
by lazydavid
Thu Nov 29, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4203

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

I believe that other methods like water injection or methanol injection could be used to clean the valves. There are lots of kits for this but they're not cheap ($500 ish). These have been around for a while to cool the intake charge to create a denser charge and increase power. I've seen it used o...
by lazydavid
Thu Nov 29, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4203

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

My Toyota Sienna has a direct injection engine. Got 290,000 miles on it and have never once "cleaned the valves" In fact I've never done a single thing to the engine other than oil changes. The AC and lower control arms have needed replacing over the years but nothing with the engine. How the hell ...
by lazydavid
Wed Nov 28, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4947

Re: So that's why 2-day shipping isn't what I expected!

Or you could setup delivery notifications so that you will know the exact moment it is delivered. That's a poor substitute, and should not be necessary. Most of the time when packages are delivered, I'm NOT home (just happened that I was for this one), but my Father-in-law is. So there would be two...
by lazydavid
Wed Nov 28, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4947

Re: So that's why 2-day shipping isn't what I expected!

My Amazon orders almost always arrive by the projected date, and occasionally before. My main issue is that the Amazon drivers never ever under any circumstances ring the doorbell (and we have two!). Last week they left a rather expensive Christmas present for my son sitting in the rain when I was l...
by lazydavid
Wed Nov 21, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15044

Re: Black Friday 2018

Only doing planned stuff that I've been putting off to wait for sales: Ordered an exercise bike Monday within the first few hours of their once-annual week-long sale Took advantage of eBay's "15% off anything" promotion today to get two fermentors Buying two small refrigerators to hold above ferment...
by lazydavid
Wed Nov 21, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Electric wrench / screwdriver for the home auto mechanic
Replies: 27
Views: 1523

Re: Electric wrench / screwdriver for the home auto mechanic

I'd get one of these: https://www.homedepot.com/p/Milwaukee-1-2-in-Square-Drive-Impact-Wrench-with-Rocker-Switch-and-Friction-Ring-Socket-Retention-9071-20/100596038 The disadvantage of the corded models is that they don't fit into as tight of spaces as the compact battery models. The other disadva...
by lazydavid
Wed Nov 21, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Electric wrench / screwdriver for the home auto mechanic
Replies: 27
Views: 1523

Re: Electric wrench / screwdriver for the home auto mechanic

I should have clarified not to use the impact wrench to tighten the lugs, I run them up to the rim with the gun (I admit) but then tighten with a torque wrench. I never seem to have issues removing any nuts unless they are corroded, or the threads are stretched with this gun though. You can safely ...
by lazydavid
Wed Nov 21, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: What's the catch? Nikon D750 FX + 24-120mm f/4
Replies: 7
Views: 753

Re: What's the catch? Nikon D750 FX + 24-120mm f/4

Yep, buy from a reputable retailer. B&H, Adorama, and KEH.com are the only online retailers I'll buy camera gear from. Especially do not buy from any shops in Brooklyn or New Jersey. Here's how they operate: A handful of families in New York and New Jersey have been running these stores for decades,...
by lazydavid
Tue Nov 20, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 3535

Re: which snow blower ?

Did you have bad luck with a Toro? Mine is over 30 years old and has managed Minnesota winters. The Toro 24" is rated number one by Consumers Reports. Ahead of Ariens. Though I do love me some Toro--especially their single-stage models, which I personally think are the best on the market by a WIDE ...
by lazydavid
Mon Nov 19, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Correct oil for snowblower
Replies: 9
Views: 539

Re: Correct oil for snowblower

It will be fine. SN is indeed the newest spec, and is backwards compatible for warranty purposes. That said, the older SL spec is slightly "better" in this application, due to a higher allowed ZDDP (anti-wear additive) content and thinner cold-start viscosity. But we're talking a manner of degrees h...
by lazydavid
Mon Nov 19, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5452

Re: fuel for snowblower

Sigh, take an IR gun to the exhaust manifold at the closest point to the cylinder head of a hot engine that is not running . It will be much less than 500F which is roughly the temperature it takes to ignite gasoline. You will not create a mushroom cloud in your driveway refilling a mower/snowblowe...
by lazydavid
Sun Nov 18, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 3535

Re: which snow blower ?

Very timely discussion. I am trying to decide between the Toro Snowmaster 724 QXE (described as a single stage blower with performance better than 2 stage despite heavy snow) or a Troy Bilt Storm 2460 or 2660. Get the Toro. Nobody does single-stage better than they do. They're also very reliable an...
by lazydavid
Fri Nov 16, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: 3.2 Million Mile Volvo Owner Passes Away - Car Still Running
Replies: 3
Views: 1218

Re: 3.2 Million Mile Volvo Owner Passes Away - Car Still Running

WhiteMaxima wrote:
Fri Nov 16, 2018 1:22 pm
http://bestride.com/news/entertainment/ ... n-has-died

truly a BH car.
Except that this forum would implode if someone suggested it was prudent to spend double one's annual income on a car. :shock:

RIP Irv, it's been fun to read your stories over the years.
by lazydavid
Fri Nov 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 3535

Re: which snow blower ?

Ariens. Definitely Ariens. I live in the NW suburbs of Chicago, went with a Platinum 24 SHO EFI three years ago, and couldn't be happier. It chews through anything I throw at it, including snowbanks that are significantly taller than the bucket. And it throws the snow so far that I have to tilt the ...
by lazydavid
Fri Nov 16, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5452

Re: fuel for snowblower

I've actually spoken to a chemical engineer who worked as a developer for Chrysler for years about this, and he says that ethanol is not an issue, especially at 10%. He's personally run much higher percentages in stock vehicles with no problems at all. Mechanics often like to blame ethanol as being...
by lazydavid
Wed Nov 14, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5452

Re: fuel for snowblower

There are a few convenience stores in our area that sell ethanol-free gas that is 91 octane. It is more expensive, which seems counter-intuitive, since I thought the idea of adding ethanol was to reduce the cost. That is not counter-intuitive, it is directly intuitive. If the purpose of adding etha...
by lazydavid
Tue Nov 13, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: new car [pay cash?]
Replies: 15
Views: 1268

Re: new car [pay cash?]

hi all,new to the forum I was wondering i am looking to buy a new Audi 2019 Q series,and thinking about paying cash for the car,does anybody think that is a good idea,any advice would appreciative. We bought a 2018 Q7 three months ago, and "sort of" paid cash. The only promotion we were eligible fo...
by lazydavid
Tue Nov 13, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1215

Re: Fuel system cleaning for old SUV $269!!

They are padding the service ticket. There is no such thing as combustion debris removal to improve MPG. Well there is, but not on this engine and the fix doesn't come out of a bottle. Direct Injected engines (which this Toyota V8 is not) tend to build up carbon deposits, which have to be removed b...
by lazydavid
Sat Nov 10, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7445

Re: Too many choices for my next TRUCK

smitcat wrote:
Sat Nov 10, 2018 7:43 am
On two occasions I have had to pull a staff members Honda Ridgeline from our employee parking lot due to snow - I was in a Chevy 1500 at the time.
This is probably more of a tire issue than a vehicle one.
by lazydavid
Fri Nov 09, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7445

Re: Too many choices for my next TRUCK

One caution with Ford F150 is that they use turbo charged engines to get additional power. That introduces another layer of complexity. A lot of truck guys are leery of that and prefer to just get the horsepower needed without turbo charging. My 2 cents worth. Though I don't agree with the sentimen...
by lazydavid
Thu Nov 08, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7445

Re: Too many choices for my next TRUCK

I was OK with the Tundra being low tech, gas hog and dated. I would think after 12 yrs of production, Toyota would have all the kinks worked out by now and the Tundra should be the most reliable of the bunch. No? It should be pretty solid, just significantly overpriced for what you get at this poin...
by lazydavid
Thu Nov 08, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7445

Re: Too many choices for my next TRUCK

The current Tundra is ancient --twelve years old to be exact. It also gets atrocious gas mileage. Toyota or not, I'd cross it off my list. The F150 was all-new a couple of years ago and is a great truck, the F250 all-new last year. Also look at the 2018 Ram. Still one of the best in class (and the b...
by lazydavid
Thu Nov 08, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2110

Re: New Treadmill - Proposition 65 Warning Label

I can't even remember how long it's been since I've seen a product of any kind that is not "known to the state of California to cause cancer, etc". It is literally the most meaningless warning in existence.
by lazydavid
Tue Nov 06, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5418

Re: Car rentals, what is the catch?

Just read the reviews for U-save and Priceless on Yelp. They are hilarious. And terrible! https://www.yelp.com/biz/u-save-car-and-truck-rental-miami?osq=u-save+rental Well, Hertz Tampa and Hertz Orlando are pretty bad too. I have rented cars at both locations: https://www.yelp.com/biz/hertz-rent-a-...
by lazydavid
Tue Nov 06, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3455

Re: Please help me with my car decision

One consideration with snow tires on a Porsche or other RWD vehicle is that it's a pretty big hassle to switch them out twice each year. You can't carry the other tires to the shop in the Porsche because it lacks the necessary cargo capacity, so someone else will have to drive a second vehicle to t...
by lazydavid
Mon Nov 05, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Lemon built in Bluestar fridge
Replies: 5
Views: 1097

Re: Lemon built in Bluestar fridge

I'm assuming you got this from a local high-end appliance retailer. Get them involved. They may have better luck escalating your complaints, especially if they are a high volume dealer ("high-volume" being relative to the market), and being a niche player they have a vested interest in making sure c...
by lazydavid
Mon Nov 05, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9432

Re: What are you learning or studying?

Homebrewing. I've been using a PicoBrew for about 18 months, and am now preparing to jump into the deep end, all-grain brewing from scratch. I picked up the Brewing Elements book series last week, and am about halfway through "Malt". Also researching what kind of rig I want to buy or build.
by lazydavid
Sat Nov 03, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16997

Re: Good Non-Boring Boglehead Cars Under $30k

weltschmerz wrote:
Fri Nov 02, 2018 11:02 pm
1) GTI sits very low to ground, much lower than Golf even. You will have lots of headlights from crossovers and trucks shining in your eyes.
It is indeed lower, but I don't know that I'd call a difference of 0.4" "much lower"
by lazydavid
Thu Nov 01, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 52
Views: 5956

Re: Problems with oil pans and plugs for Honda Odyssey

In the OP's case, the oil filter can be easily changed without jacking it up, simply by turning the steering wheel all the way to the right (or so the google machine says--going to try this on my FIL's car). Again, way easier and far less mess, without having to crawl under the car. If you're pulli...
by lazydavid
Wed Oct 31, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2703

Re: Luxury Sedans for around $25k used with lower miles? AWD?

2015 BMW 5 series fits the bill Low miles, XDrive for $25k? Unlikely Inexpensive maintenance. Impossible. :D Haven't had a 5, but two different 3-series that have been very inexpensive to maintain over the past 20 years, with the exception of the current one's insatiable appetite for rear tires. Bu...